Montgomery County property record for 401 Palmtree Dr, Gaithersburg, MD 20878
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,120 sqft · built 1987 |
| Lot Size | 0.057 acres (2,460 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Jan 2019) |
| Tax Bill | $3,386 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-02645905 |
| Primary APN | 09-02645905 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 560 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,460 sqft (0.057 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02645905 |
|---|---|
| Street Address | 401 PALMTREE DR |
| City | GAITHERSBURG |
| State | MD |
| Zip | 20878-2900 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R20 |
| Legal Description | PARK SUMMIT |
| Legal Subdivision | PARK SUMMIT |
| Legal Block | D |
| Legal Lot Number | 72 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 700837 |
401 Palmtree Dr, a townhouse, is owned and occupied by an individual who bought it in January 2019.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 401 PALMTREE DR, GAITHERSBURG, MD 20878-2900 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage APEX HM LNS |
| Jan 23, 2019 | Grant Deed, Transfer · Conventional with PMI APEX HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 23, 2019 · Amount on File |
| Deed Sale | Jan 23, 2019 · Amount on File |
| Prior Sale | Dec 8, 2004 · Amount on File |
| Deed Book / Page | 57141 / 296 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 401 PALMTREE DR, GAITHERSBURG, MD 20878-2900 |
| Document Number | 0583120241 |
| Instrument Date | Aug 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2019 |
| Title Company | PINNACLE SETTLEMENT SERVICES, PINNACLE SETTLEMENT SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 401 PALMTREE DR GAITHERSBURG MD 208782900, GAITHERSBURG, MD 20878-2900 |
| Document Number | 0583120241 |
|---|---|
| Date | Oct 16, 2019 |
| Book Page | 058312/000241 |
| Name | APEX HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | ROCKVILLE, MD 20850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 15, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Jan 23, 2019 |
| Property Address | 401 PALMTREE DR, GAITHERSBURG, MD 20878-2900 |
| Document Number | 0571410296 |
| Book / Page | 057141 / 000296 |
| Instrument Date | Dec 21, 2018 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2019 |
| Title Company | PINNACLE SETTLEMENT SERVICES, PINNACLE SETTLEMENT SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $245.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 401 PALMTREE DR GAITHERSBURG MD 208782900, GAITHERSBURG, MD 20878-2900 |
| Document Number | 571410306 |
|---|---|
| Date | Jan 23, 2019 |
| Book Page | 057141/000306 |
| Name | APEX HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | ROCKVILLE, MD 20852 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 22, 2049 |
The 2025 property tax bill for 401 Palmtree Dr was $3,386.
Source: Montgomery County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Municipality | Gaithersburg City |
| Unified School District | Montgomery County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $312,200 (+7.33%) Land $150,000 Building $162,200 | $312,200 (-) Land $150,000 Building $162,200 | |
| 2025 | $3,386.00 | $290,867 | $312,200 Land $150,000 Building $162,200 |
| 2023 | $248,200 Land $120,000 Building $128,200 | $248,200 Land $120,000 Building $128,200 | |
| 2022 | $2,615.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Palmtree Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 401 Palmtree Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WASHINGTON SUBURBAN SANITARY COMMISSION serves 1,900,000 people · EPA ID MD0150005 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2018–2020) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| AT&T Fixed Wireless | 100 / 20 |
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